Credit card accounts

We don’t qualify for any more credit accounts

Because our credit is so maxed out now, we don’t qualify for any more credit accounts. We tried to get one, but were unable to. They said I can write to learn the “reason” they jacked up the rate, but I pulled the applicable credit report and there is nothing new on it. All payments are on time. Also our credit rating has been stable for 3 or 4 months, so it doesn’t make sense. What I’m thinking is if I can find other money, like borrow from my 401k for a year, I could maybe pay 1/2 of the account down, which looks a lot better. Then, I can ask my hubby to call and request an interest rate reduction. I’d rather borrow my own money than keep paying these idiots. I’d need to work the 401k loan so that the payments would be similar to what they would…